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Personal Loans FAQs

Can I make extra payments?

Yes. You can overpay your loan by as much as you want to at any time during the loan term. You will then be given the option to either reduce the term of the loan or reduce the monthly payments.

Should you wish to reduce the interest on your loan, then you will need to make an extra payment of at least £500 each time.

If you wish to make an extra payment, the simplest way is to visit our secure online payment portal here: TFS Online Payment Portal

Alternatively, you can call our 24 payment line and make your payment over the phone – 01302 513313 or you can send us a bank transfer.

Visit our ‘How to make payments‘ page for more information.



Loans are subject to status and affordability. *Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to

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